http://www.themonetaryreset.com/2014/08/how-they-got-us-into-this-mess-solution.html
“If you care at all about the future of this country, one of the things you need to realize is we need to solve the demand side so we can get back to the supply side issues that are really the tricky thing for the long run,” he said. “The way to solve the demand side issues that is the most consistent with not messing up our supply side is monetary policy and making it so we can have negative interest rates.”

“Solve the demand side issues”?  What does that mean? Supply and demand.  Producers and consumers.  So the “demand side issue” is that consumers aren’t consuming.

“Not messing up our supply side”?  Since we’re talking about monetary policy, the supply side is the banks — the money creators and the money changers.  So, any policy implemented must not interfere with the banks’ objectives.

Kimball’s solution is to punish non-consumers (aka people who save for a rainy day, avoid debt and the consumer lifestyle) by forcing them into the banking system then charging them for keeping their money in the bank.  I.e. if you’re not doing business with the money changers then you should be forced to.